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Why Loans

By offering loans rather than charity, Hebrew Free Loan of San Diego helps people become, and remain, self-sufficient. 

While the philosophy is simple, it is based on a biblical mandate from the Lord to the Jewish people.

If there will be among you a needy person, from one of your brothers in one of your cities, in your land the Lord, your G-d, is giving you, you shall not harden your heart, and you shall not close your hand from your needy brother.” – Deuteronomy 15:7

“Rather, you shall open your hand to him, and you shall lend him sufficient for his needs, which he is lacking.” – Deuteronomy 15:8

“Thou shall not exact interest from the needy among you.”  – Exodus 22:24

 And synthesized by the Sage Maimonides –

“A loan is better than charity for it enables one to help oneself with dignity

 This is the foundation – the inspiration – for our work.